While this company has many excellent qualities there is one big drawback. They claim all vets accepted. What they do not mention is.... the vet must fill out paperwork EVERYTIME you submit a claim. The office I go to does not file insurance ( or do any paperwork) after a very long phone call to embrace plus sending in doctors notes I still do not know if they are going to pay my claim for an illness it has been 2 weeks. Embrace is willing to pay for the WELLNESS PORTION VERY QUICKLY but considering that is money they are just holding for me I am not too impressed. Until I find out if this illness claim will be paid I would not recommend this company.